Who it's for
People with more than one moving part
If your money is simple you don't need this, and we'll tell you so. It earns its price when several things pull against each other and the answer stops being obvious.
If your money is simple you don't need this, and we'll tell you so. It earns its price when several things pull against each other and the answer stops being obvious.
Your company's numbers are immaculate and nobody has ever looked at yours. How much you actually take, whether the business is your pension or a risk to it, and what happens to you personally if you sell — or never do.
The window where decisions still change the outcome materially and the answer is no longer obvious. The most valuable decade to model, and the one people most often spend guessing.
Three jobs, three schemes, a vague sense that it's probably fine. Whether it is fine is an arithmetic question, and it has an answer.
A rental, a holiday let, or a house you intend to downsize out of. Property changes tax, timing and flexibility in ways a list of pot values won't show you.
A deposit, a wedding, school fees. Generous decisions that are entirely affordable, or quietly aren't — and almost nobody models which before making them.
A sale, an inheritance, a divorce, a redundancy, a diagnosis. Moments where the old plan stopped being true and nobody has written the new one.
Said plainly, because being sold something you don't need is how people end up distrusting this whole profession.
We don't manage money, hold money, or recommend where to put it. That's regulated work for an authorised firm.
Which pension, which fund, which insurer — all regulated advice, all things we're not permitted to give and won't have an informal go at.
If you're behind on payments or being chased, free specialist help exists today and can do things we cannot. Go there first.
One job, one pension, renting, no dependants — a projection to 100 will tell you what you already suspect. The free tools are a better use of an hour.